If you accept the cash offer that is the end of your claim. If you are offered the car, then this is a seperate transaction, independant of the accident so I don't see how you could claim for delivery. The only way would be to hold out for more than the cash offer or beat the salvage price down.

As advised try and negotiate either the cash write off value up andor the salvage value down.

You won't recover the costs of redelivery. But you may have a claim for loss of use from the day they took it for inspection to the day that you recieve the settlement cheque.

You may also have a claim for other uninsured losses such as alternative means of transport while without the vehicle and of course any personal injury (if you suffered one as a result).

Contact me if you need detailed help with this.

Edited by LucyBC on 27/07/2010 at 12:00

Thank you for your replies.

Think I may try to get the salvage down a bit. Pre accident value would have been less than £1,000 so worth a punt I think.

Have had a hire car since mine went to garage, hopefully Third Party will pay as it's quite expensive. Am covered fully comp so courtesy care included, but my insurers said I would get a better car via the hire company and pushed for me to say yes. Have ended up with a 2.0 Mondeo Titanium which is costing me a fortune in petrol. Will drive this to Surrey to pick mine up and leave there for hire company to collect. Just want mine back really.

Thanks again.

A little irrelevant now but you say that your insurers insisted that you have the car taken to an appointed repairer? I am under the impression that you can in fact have your car repairer by a garage of your choice.

When my car was hit from behind a few years ago, my insurer wanted the car recovered to their approved repairer some 40miles away!!!! I told the recovery driver to take my car to the guy i had been using for servicing and repairs for some years and he was 3 miles away! I told my insurers he would be doing the repairs and they ummed and ahhhed about the repairs not being warrantied and that they would have to send an assessor to inspect the car and it would all take time. Just a ploy to get me to change to their own approved garage in my opinion. The garage who i used didnt have a courtesy car for a day or 2 so the owner gave me his own car and he got a lift home until he could source me a car. Would this have happened at their place? I think not.

Insurance companies strike deals with big repair specialists and its beneficial to both parties so they try to get you to use them. I will stick with my local back street guy who has seen me right for the past 20yrs and know im getting the best service i can get.

Have just been thro similar with car valued at £1070. Salvage value was set by insurance company at 13%. Your 35% seems very high. I bought the car back and had it taken off the DVLC Cat D system by getting a VOSA check done on it. My insurance company advised this was the thing to do-cost approx £35- otherwise I would be unable to road tax after the tax expired. The car has not been repaired-VOSA were not interested in this.